TransUnion knocked 12 points off of my credit score in March 2021 claiming missed/late mortgage payments but that is all paid and up to date. Latest payment made was on 2/26. In fact I have over 60 months of no missed payments on any of my accounts. I tried to sign up to their site to dispute this but when it wanted my credit card I got out of there. THIS IS A SCAM and they are affecting peoples credit scores with false information. User's recommendation: Sign up at your own risk.